Compare transaction accounts

Transaction Accounts
As at 1 April 2008.

Account Benefits	Complete Freedom	Express Freedom	Simply Freedom	Complete Freedom Student	Retirement Access Plus	Concession	Freedom
	Apply	Apply	Apply	Apply	Apply	Apply	Apply
Description	Unlimited branch, cheque and electronic transactions, as well as a Visa Debit Card for 24/7 access to your money anywhere in the world.	Unlimited access to Internet and Phone Banking, with a Visa Debit Card for electronic purchases.	Unlimited branch, cheque and electronic transactions make your everyday banking easier.	Everyday student bank account with unlimited branch and electronic access without monthly account service fees.	An everyday bank account for pensioners and retirees offering discounted fees.	Everyday account without the monthly fee for Concession Card holders.	You can avoid the monthly account service fee by keeping a minimum balance in your account while earning interest on your everyday money.
Ideal for	People who want a full service account and know their monthly fees upfront.	People comfortable using electronic channels for their banking.	People who want all the standard options of an everyday account.	Full time students or apprentices.	Retirees over age 55 or anyone receiving an eligible Govt pension.	Concession Card holders that need fee-free banking with convenient access.	People who want to avoid monthly fees by keeping a specified balance in their account.
Monthly Account Service Fee	$7.00	$5.00	$6.00	$0	$0	$0	$7.00 if balance is below $3,000
St.George Internet and Phone Banking Access
SMS & Email Alerts	* 10 free per month	Fees Apply	Fees Apply	Fees Apply	Fees Apply	Fees Apply	Fees Apply
Enhanced Security (SecureCode)
St.George/BankSA ATM Access
Non St.George/ BankSA ATM Access	Fees Apply	Fees Apply	Fees Apply	Fees Apply	Fees Apply	Fees Apply	Fees Apply
EFTPOS Access					Fees Apply only when fee-free allowance is exceeded and if balance is less than $20,000	Fees Apply only apply when fee-free allowance exceeded	Fees Apply only when fee-free allowance is exceeded and balance is less than $5,000
VISA Debit Card	Embossed	Un-Embossed					**
BPAY^®
Branch Access		Fees Apply			Fees Apply	Fees Apply	Fees Apply
Cheque Book		Fees Apply
Interest	N/A	N/A	N/A	N/A	Calculated Daily; Paid Monthly	N/A	Calculated Daily; Paid Quarterly
Interest Offset Facility
ASF deduction if St.George Home Loan repayment is automatically debited from this account	Up to 100% Waiver						100% Fee Waiver
Statements (New Accounts)	Quarterly (Monthly if Visa Debit option is selected)	Quarterly (Monthly if Visa Debit option is selected)	Quarterly	Quarterly (Monthly if Visa Debit option is selected)	6 Monthly(Monthly if Visa Debit option is selected)	6 Monthly	6 Monthly**
Available for DIY Super Funds
	Apply	Apply	Apply	Apply	Apply	Apply	Apply
	Complete Freedom	Express Freedom	Simply Freedom	Complete Freedom Student	Retirement Access Plus	Concession	Freedom

*Fees apply after the first 10 free.
** Visa debit Card is available only on accounts opened before 12 Nov 2006. If this option is selected, a monthly statement will be issued.